One reason why you need to bring up the topic of Long Term Care with your clients: family. Past history has shown us that parents who do not plan adequately for their long term care needs ultimately end up sacrificing their income, assets and financial promises that they have made to pay for their...

Increasingly, people are recognizing the need for long term care insurance earlier in life. Since your clients may purchase a policy 20 to 30 years before they might need to use their benefits, it’s important to consider inflation protection when you design their long term care insurance plan. Inflation...

A caregiver contract is when relatives are hired to take care of their disabled or aging family members. It is usually drafted by an attorney and specifies the caregiver's duties and the length of contract (usually the elder's lifetime). Caregiver payment can be made either in lump sums or installments. How...

If everybody knows referrals are a good way to find prospective clients, why does asking for them seem so hard? Many producers think a request for referrals will come across as imposing or rude. But think of it this way: asking clients for names of people who are just like them actually can be considered...

Bringing up the subject of Long Term Care Insurance is not always easy, but changes may have happened in your clients’ lives that make this the year to talk about LTC. The annual financial review is a great time to discuss changes that may have occurred over the past year, and proactively plan in anticipation...

Some of America’s most beloved and recognizable faces — Maria Shriver, Rob Lowe, Maggie Gyllenhaal, Zach Quinto, Angela Bassett and Jim Nantz — encourage having 'the talk' now versus later. While the conversation is not exactly an easy one to have, a discussion of Long Term Care planning with...

The need for long term care does not discriminate. No matter what your income is, your marital status, or any other demographics that come into play – when you need long term care, you need long term care. Clients with families and children typically consider themselves to have a “default” caregiver,...

If statistics alone sold Long Term Care insurance policies, industry sales would be growing exponentially year after year. However, clients take in more than just the numbers - their decision-making process doesn’t rely solely on statistics. In order to ignite desire in a client, an advisor must be able...

You may have some retirement-age clients who did not purchase long term care insurance in the past due to high premiums. By crafting your sales approach, you can reach out to these prospects about affordable long term care insurance and designing a plan within their budget. Here's how you can get the LTCi...

Asset Based LTCi is designed to help protect your clients’ assets by using the safety of whole Life Insurance. With a guaranteed premium, your clients will receive a guaranteed amount of Life Insurance that can be applied to their LTCi expenses. Your premium is also credited with a minimum guaranteed...